Authenticated access and aggregation database platform

1. A computerized method performed by a computing system having one or more hardware computer processors and one or more non-transitory computer readable storage devices storing software instructions executable by the computing system to perform the computerized method comprising: receiving, via network communication with a user computing device: selection of a third-party entity from a plurality of third-party entities indicated in a user interface displayed on the user computing device; credentials for directly accessing, by proxy on behalf of the user via an application programming interface (API), a plurality of data items associated with the user stored in one or more databases associated with the selected third-party entity; transmitting at least an API token associated with the selected third-party and the credentials to one or more databases associated with the selected third-party entity; accessing a plurality of data items associated with the user, via an API communication channel established with the one or more databases associated with the selected third-party entity; selecting a first data item of the plurality of data items; determining a recipient identified in the first data item; identifying a subset of data items each indicating the determined recipient, wherein the subset of data items includes at least the first data item and one or more other data items; determining, based at least on the identified subset of data items, account data associated with an account of the user associated with the recipient, the account data comprising at least one or more of: a number of data items each having time stamps within a predetermined time period; average number of days between time stamps of sequential data items; applying a first account identification rule, associated with a first account type, to the account data; determine, based on said application of the first account identification rule, a first confidence level indicating likelihood that the account is the first type of account; in response to determining that the first confidence level is above a first threshold, applying a first account scoring model to the account data, the first account scoring model configured to determine an expected change to a current risk score associated with the user; receiving, from the user computing device, confirmation that the account of the user is the first type of account; receiving, from the user computing device, a request to add the account with the recipient to risk data associated with the user at a secured third-party risk database; generating, based on portions of the plurality of data items and the account data associated with the recipient, an account creation data package, the account creation data package formatted for ingestion at the secured third-party risk database to initiate addition of the account to risk data of the user; identifying a security key associated with the secured third-party risk database; transmitting the security key and the account creation data package to the third-party risk database via a secure communication channel established with the third-party risk database; requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, wherein the risk scoring algorithm is based at least partly on portions of the plurality of data items or the account data included in the risk data of the user; and providing risk score change information to the user computing device.

2. The computerized method of claim 1 , further comprising: prior to receiving credentials from the user computing device, transmit user interface data to the user computing device, the user interface data configured to update the user interface to depict a permissions interface element that is selectable to indicate authorization to access account information associated with the user; and receiving, from the user computing device, authorization to access account information associated with the user.

3. The computerized method of claim 1 , further comprising: transmitting user interface data to the user computing device, the user interface data configured to update the user interface to depict one or more interactive elements selectable to indicate authorized uses of the data items associated with the user by the computing system; receiving, from the user computing device, selection of authorized uses of the data items; and selectively sharing, based on the authorized uses of the data items, the data items with one or more third parties.

4. The computerized method of claim 1 , wherein said determining a recipient identified in the first data items comprises: determining a recipient identifier in the first data item; accessing a recipient data structure storing indications of associations between recipient identifiers and corresponding recipients, wherein the recipient is associated with a plurality of recipient identifiers used by different third-party databases to identify the recipient; and determining that the recipient identifier is associated with the recipient in the recipient data structure.

5. The method of claim 4 , wherein associations between recipient identifiers and corresponding recipients are deterministic.

6. The method of claim 4 , wherein associations between recipient identifiers and corresponding recipients are probabilistic.

7. The computerized method of claim 1 , wherein the account creation data package includes at least: an identifier of the recipient; a data furnisher identifier associated with an entity that provides consumer data to the secured third-party risk database; and at least a portion of the account information formatted for ingestion by the secured third-party risk database to initiate addition of the account to risk data of the user.

8. The computerized method of claim 1 , wherein the security key comprises an API token associated with the secured third-party risk database.

9. The computerized method of claim 1 , further comprising: determining a first one or more items available to the user based on the current risk score; determining a second one or more items not available to the user based on the current risk score; determining an estimated risk score of the user based on potential addition of a new account of the user to risk data of the user; in response to determining that at least one of the second one or more items would be available to the user based on the estimated risk score, providing an option to the user in the user interface to initiate updates to risk data of the user; in response to receiving an indication of selection of the option in the user interface on the user device, initiating receiving via network communication with the user computing device; determining an updated risk score based at least on the risk score change information; determining at least one of the second one or more items eligible to the user based on the updated risk score; and updating user interface data configured update the user interface to depict information regarding the at least one of the second one or more items.

10. The computerized method of claim 1 , wherein the first account scoring model is configured to determine an estimated risk score change if the first account of the first account type is added to the risk data of the user, wherein the first account scoring model is based at least on actual risk score changes of a plurality of other users in response to addition of accounts of the first account type to their respective risk data.

11. The computerized method of claim 1 , further comprising: for each of a plurality of accounts included in the risk data of the user, determining an account type from a plurality of account types; identifying a second account type of the plurality of account types that impacts risk scores of users that is not included in the determined account types of the plurality accounts of the user; executing a score impact algorithm, based at least on the second account type and the risk data of the user, to determine a possible risk score change if an account of the second account type is added to the risk data of the user; and providing, to the user, an indication of the possible risk score change prior to receiving the request to add the account with the recipient to risk data of the user at the secured third-party risk database.

12. A computing system comprising a hardware computer processor is configured to perform processor-executable instructions comprising: receiving, via network communication with a user computing device: selection of a third-party entity from a plurality of third-party entities indicated in a user interface displayed on the user computing device; credentials for directly accessing, by proxy on behalf of the user via an application programming interface (API), a plurality of data items associated with the user stored in one or more databases associated with the selected third-party entity; transmitting at least an API token associated with the selected third-party and the credentials to one or more databases associated with the selected third-party; accessing a plurality of data items associated with the user, via an API communication channel established with the one or more databases associated with the selected third-party entity; selecting a first data item of the plurality of data items; determining a recipient identified in the first data item; identifying a subset of data items each indicating the determined recipient, wherein the subset of data items includes at least the first data item and one or more other data items; determining, based at least on the identified subset of data items, account data associated with an account of the user associated with the recipient, the account data comprising at least one or more of: a number of data items each having time stamps within a predetermined time period; average number of days between time stamps of sequential data items; applying a first account identification rule, associated with a first account type, to the account data; determine, based on said application of the first account identification rule, a first confidence level indicating likelihood that the account is the first type of account; in response to determining that the first confidence level is about a first threshold, applying a first account scoring model to the account data, the first account scoring model configured to determine an expected change to a current risk score associated with the user; receiving, from the user computing device, confirmation that the account of the user is the first type of account; receiving, from the user computing device, a request to add the account with the recipient to risk data associated with the user at a secured third-party risk database; generating, based on portions of the plurality of data items and the account data associated with the recipient, an account creation data package, the account creation data package formatted for ingestion at the secured third-party risk database to initiate addition of the account to risk data of the user; identifying a security key associated with the secured third-party risk database; transmitting the security key and the account creation data package to the third-party risk database via a secure communication channel established with the third-party risk database; requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, wherein the risk scoring algorithm is based at least partly on portions of the plurality of data items or the account data included in the risk data of the user; and providing risk score change information to the user computing device.

13. The computing system of claim 12 , further comprising: prior to receiving credentials from the user computing device, transmit user interface data to the user computing device, the user interface data configured to update the user interface to depict a permissions interface element that is selectable to indicate authorization to access account information associated with the user; receiving, from the user computing device, authorization to access account information associated with the user.

14. The computing system of claim 12 , further comprising: transmitting user interface data to the user computing device, the user interface data configured to update the user interface to depict one or more interactive elements selectable to indicate authorized uses of the data items associated with the user by the computing system; receiving, from the user computing device, selection of authorized uses of the data items; and selectively sharing, based on the authorized uses of the data items, the data items with one or more third parties.

15. A non-transitory computer readable medium having software instructions stored thereon, the software instructions executable by a hardware computer processor to perform operations comprising: receiving, via network communication with a user computing device: selection of a third-party entity from a plurality of third-party entities indicated in a user interface displayed on the user computing device; credentials for directly accessing, by proxy on behalf of the user via an application programming interface (API), a plurality of data items associated with the user stored in one or more databases associated with the selected third-party entity; transmitting at least an API token associated with the selected third-party and the credentials to one or more databases associated with the selected third-party; accessing a plurality of data items associated with the user, via an API communication channel established with the one or more databases associated with the selected third-party entity; selecting a first data item of the plurality of data items; determining a recipient identified in the first data item; identifying a subset of data items each indicating the determined recipient, wherein the subset of data items includes at least the first data item and one or more other data items; determining, based at least on the identified subset of data items, account data associated with an account of the user associated with the recipient, the account data comprising at least one or more of: a number of data items each having time stamps within a predetermined time period; average number of days between time stamps of sequential data items; applying a first account identification rule, associated with a first account type, to the account data; determine, based on said application of the first account identification rule, a first confidence level indicating likelihood that the account is the first type of account; in response to determining that the first confidence level is about a first threshold, applying a first account scoring model to the account data, the first account scoring model configured to determine an expected change to a current risk score associated with the user; receiving, from the user computing device, confirmation that the account of the user is the first type of account; receiving, from the user computing device, a request to add the account with the recipient to risk data associated with the user at a secured third-party risk database; generating, based on portions of the plurality of data items and the account data associated with the recipient, an account creation data package, the account creation data package formatted for ingestion at the secured third-party risk database to initiate addition of the account to risk data of the user; identifying a security key associated with the secured third-party risk database; transmitting the security key and the account creation data package to the third-party risk database via a secure communication channel established with the third-party risk database; requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, wherein the risk scoring algorithm is based at least partly on portions of the plurality of data items or the account data included in the risk data of the user; and providing risk score change information to the user computing device.